Perfect situation when the asshat that is at 100% fault winds up only covering his/her own vehicle and you're stuck with higher insurance (and a deductible) because the police didn't file the report... just one word against another unless a photo can show who did what.

TheMega:Perfect situation when the asshat that is at 100% fault winds up only covering his/her own vehicle and you're stuck with higher insurance (and a deductible) because the police didn't file the report... just one word against another unless a photo can show who did what.

This could be a problem with the lack of photographic devices these days.

thnksqrd:TheMega: Perfect situation when the asshat that is at 100% fault winds up only covering his/her own vehicle and you're stuck with higher insurance (and a deductible) because the police didn't file the report... just one word against another unless a photo can show who did what.

This could be a problem with the lack of photographic devices these days.

Doesn't even matter here. I had picture proof of an accident which was the other persons fault just outside of King Of Prussia 2 years ago and the police wouldn't accept it as proof, and so the person insurance company said too bad.

tchau:thnksqrd: TheMega: Perfect situation when the asshat that is at 100% fault winds up only covering his/her own vehicle and you're stuck with higher insurance (and a deductible) because the police didn't file the report... just one word against another unless a photo can show who did what.

This could be a problem with the lack of photographic devices these days.

Doesn't even matter here. I had picture proof of an accident which was the other persons fault just outside of King Of Prussia 2 years ago and the police wouldn't accept it as proof, and so the person insurance company said too bad.

Other states have been doing this for years, and insurance is cheaper. About women drivers....they actually cause more accidents and property damage in my state, but fewer fatalities. They get in more fender benders but fewer high speed wrecks. So insurance rates are still higher for men to pay for the hormone filled speed freaks. I thinks (without citation) that the National average relects the same thing. too lazy to find the article with the stats.

It's like this in Seattle. Last year, my wife got hit by another driver in MY car. It was totaled but luckily no one was hurt. When she called the cops, they basically told her to move the car to the side of the road and call a tow truck and have a nice focking day. I couldn't believe it. The other driver owned up to it and her insurance covered it, but holy shiat.

Think that's a cool story bro?

6 days later, an old lady crossed into my lane and hit ME in MY WIFE'S car and totaled that one too. The old lady was clutching the chest of her shirt, breathin' all heavy, I thought she was gonna drop dead on the spot. Cops asked me if anybody was injured, I said "No, but the old lady looks like she's about to have a heart attack."Cops: Well, if she's not injured, we can't do anything. Have a nice day.

Turned out we were only a few blocks from the old lady's house, so I walked her home and we exchanged info. Before I could leave, her son walks in, looks at me like "Who the fock is this guy?!" She goes into the story, all nervous like, tells him it was all her fault. I thought his head was gonna explode.

Called my wife and said, "I'll give you 3 guesses what just happened to me..."

This story is really hard to explain without drawing a picture because it involved alot of swerving. But I was driving down the road...when a biatch on her cellphone in her SUV tried to make a Uturn RIGHT on the highway, crossing in front of me.

Long story short...I was not in an accident but in hindsight I would have broadsided the broad.

On a serious note, I'm not sure this is a good idea. Fender benders fark traffic over hard when there isn't a cop telling the two to pull it over to the side of the road. And many insurance companies look for a cops report to see if they are going to shell out money. And who the hell calls a cop if there isn't real damage?

Philly is insane. A friend of mine has had an interesting two months. A few nights ago some lady doused herself in gasoline and lit a match. Then, a couple of weeks before that one of her neighbors was stabbed to death by said neighbors boyfriend. Inner Houston is downright droll compared to the action she's been around.

They act like accidents are such a hassle. Boo hoo, they're not such a problem that it prevents them from writing tickets to one party or the other.

People aren't being raped or stabbed every second of the day (well, places other than Philly or Detroit) so a few accident reports won't kill them.

People don't mind some of their tax dollars being used to prevent some insurer from raising their rates because they don't have the opinion of an officer to say they weren't at fault. No fault states are ridiculous as it gives the insurers an excuse to raise everybody's rates.

stupid me:Other states have been doing this for years, and insurance is cheaper.

Not really, they just moved the cost limit up in any areas because if you caused a ding, it's not worth writing a report over. But it doesn't take much to pass a $1000 minimum damage limit that our cops use.

I'll concede that women are probably safer drivers but not better drivers.

Safer meaning that even though you'll most likely get into more accidents with a woman at the helm, they'll more likely be fender benders and less threatening.

Young male drivers will take unnecessary risks at high speeds which is why that demographic is SO f**ked up when it comes to getting insured. I remember paying $380/mo for a 96 Ford Taurus in 2001 because I still was in that "dangerous" age bracket.

Panty Sniffer:This is an insurance company's nightmare. It comes down to "He said. She said." instead of being able to look to a police report for some idea of what happened.

Insurance companies have set rules about how they judge who's to blame.

Generally speaking the person at fault is the one who drove into the other person (except in high speed collisions). Doesn't matter if they suddenly reversed out in front of you or braked suddenly without warning.

They can generally tell from the damage if one car hit the back of the other or if the other car actually reversed or rolled back into the other.